Humana Inc (HUM)vsMedtronic PLC (MDT)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
MDT
Medtronic PLC
$81.67
+1.54%
HEALTHCARE · Cap: $103.20B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 277% more annual revenue ($137.20B vs $36.36B). MDT leads profitability with a 13.2% profit margin vs 0.8%. MDT appears more attractively valued with a PEG of 1.59. MDT earns a higher WallStSmart Score of 62/100 (C+).
HUM
Buy52
out of 100
Grade: C-
MDT
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+23.7%
Fair Value
$403.67
Current Price
$350.08
$53.59 discount
Margin of Safety
+11.4%
Fair Value
$91.83
Current Price
$81.67
$10.16 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Revenue surging 23.5% year-over-year
Generating 1.1B in free cash flow
Large-cap with strong market position
Reasonable price relative to book value
Strong operational efficiency at 21.3%
Generating 2.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
ROE of 6.1% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Expensive relative to growth rate
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 23.5% demonstrates continued momentum.
Bull Case : MDT
The strongest argument for MDT centers on Market Cap, Price/Book, Operating Margin.
Bear Case : HUM
The primary concerns for HUM are PEG Ratio, Return on Equity, Profit Margin. A P/E of 40.5x leaves little room for execution misses. Thin 0.8% margins leave little buffer for downturns.
Bear Case : MDT
The primary concerns for MDT are PEG Ratio, Piotroski F-Score.
Key Dynamics to Monitor
HUM profiles as a growth stock while MDT is a value play — different risk/reward profiles.
HUM carries more volatility with a beta of 0.77 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
MDT generates stronger free cash flow (2.1B), providing more financial flexibility.
Bottom Line
MDT scores higher overall (62/100 vs 52/100). HUM offers better value entry with a 23.7% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Medtronic PLC
HEALTHCARE · MEDICAL DEVICES · USA
Medtronic plc is an American-Irish registered medical device company that primarily operates in the United States. Medtronic has an operational and executive headquarters in Fridley, Minnesota in the US.
Compare with Other HEALTHCARE PLANS Stocks
Want to dig deeper into these stocks?